The 'policies' are too young for their insured parties.

Rating: Null/10 (8 August 2005)

Good film. Creepy where it ought to be. Action filled like the typical Hollywood film it is. Glad to see Scarlett Johannson in something other than the art films in which she excels so highly. Like Ebert said, something to the effect that Shawn Bean is the best Shawn Bean on films these days. Also, lots to think about in terms of a possible unintended consequence of human cloning.
But one serious fundamental problem with the logic underlying this entire story. The insured parties are millionaires and other famous people who have the wealth sufficient to pay for the laboratory work, birth, development and expensive maintenance of clones that are to be kept around in relative ignorance until the insured needs one or more of their body organs, grown specifically for their use as spare parts.
But the clone or no, the 'insurance policy' is a walking, talking, thinking human being. Not just with enforceable constitutional rights, as was neatly forgotten or ignored by the writers of this film script. But more significant is that they age at the same rate as their insured parties.
So, assuming Thomas Lincoln and Sarah Jordan were at least about 30 years old before they were rich and famous enough to donate DNA for their respective clones, and assuming that Lincoln Six Echo and Jordan Two Delta were each about 25 years old by the time they crashed the island in the middle of the desert, that their insured parties were about 55 years of age or better, and would not at all resemble their clones.
Or are we to assume these clones are instantly hatched as full-grown adults? I think not, either in science or in the story.
Arnold Harris, Mount Horeb WI